Hi. I started a personal finance Instagram account to share financial journey and financial tips. It’s called Her Millennial Money. I would appreciate any feedback or ideas of what to share.

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Why aren’t you including rent in your expenses?

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I would not want to share private information - just generalize. I am the type with no debt and grind for many years and save a lot - I think that’s still something people can learn from. There is no magic formula.

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Regarding your HSA post you could mention the fact that at 65 the account basically functions like a traditional ira that can be used for anything!

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305k NW is great !!

Thank you for checking my account!

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I recently got an offer from Infosys. Just want to check if my cap my pf to 1800 + 1800 ? To the most minimum one

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What’s happening with the Chinese stocks? Do you think it’ll continue going down or will it go back up?

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Thursday I got it in my head that I needed to hedge against potential Dollar devaluation. I looked at other market funds thinking them to be good proxies for other currencies.

I decided to pick up a few but saw the Baltic Index was going up, higher shipping rates means increased demand, so it pointed to the Chinese economy picking up significantly.

I looked at FXI, there was no option interest so they were super cheap. I figured I pick up a bunch.

They opened at +%333 talk about dumb luck.

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If you had to guess when oncycle will be, what would you say? I’ve heard funds were disappointed by participation rates and quality last time, so I’m curious to see if they can show enough discipline to wait this year.

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Fidelity or Vanguard for opening a Roth IRA? I’m new to investments, still learning, and I’m more of a buy & hold / hands-off type!

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I’m 25 and have found a duplex I’m considering purchasing as a rental property. Planning on renting both units and have the cash to make the down payment without an issue. My cash flow analysis has a payback period of 3 years for my down payment and a 13 year payback period for the whole investment. I think financially it makes sense. My question is, is it realistic for a 25 year old young professional to handle dealing with all the extra curricular’s that come with owning a rental property ?

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I paid for my kid’s college fee this year and last year thinking I will use 529 in future for second kid but now I am having second thoughts as I need little more money to buy an investment prop cntd

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What are the best platforms for investing in startups as a non-accredited investor? (E.g., pursuant to the JOBS Act and CF regulation)

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Do you invest in initial coin offerings?

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Any thoughts on buying the PRCH dip? One of the high valuation stocks that got killed the last 6 months; however strong analyst consent that this is a Buy.

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Is 36k GBP yearly before tax a good salary in London for a bachelor working professional? Considering I need to save money and send it back home and not burn all of it.

I just received an offer to lateral into banking. How does independence affect the stocks I currently own? If I join and my stocks are on a restricted list will I have to sell them? Or will I be limited to being unable to buy more/sell any during the course of my employment.

likeuplifting

Best and worst cars you’ve ever owned?

I broke through the wall in 2020 and feel like I blinked and it is 2022. I have been saving something close to 75% of my take home and dumping into ETFs. I feel like I want to branch out into real-estate but never lived anywhere more that 3 years. What would you do? I have cash to put a large down payment to avoid the high rates but am scared I have no roots and will move in another few years.

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likeupliftingfunny

Does anyone have any inspiration stores of FIRE without an incredibly high income/family financial support. Looking for hope 😅

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Does anyone know about the difference between PepsiCo GBS and India holdings?

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Anyone know of a good cross-border US/UK financial fiduciary?

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Has anyone considered moving from NYC to Houston? Any advice of why not to do it apart from the Texas heat. The homes are so much bigger and taxes much lower.

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How much do y’all spend on rent

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Hello,
Does anyone have advice for someone looking to purchase their first investment property? Maybe something you wish you knew before buying yours etc. I’m looking at single families

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Hi fishes, I have an interview tomorrow with factset for Client Solution Advisor. Any tips for the questions they'll be asking? And if ajy of the factset employee can tell me the work we will do in this role will be good.

DM me, If interested for senior ABAP developer position with SAP

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Guys ,
How is scope of SAP Analytics Cloud .?
How to get started , learn and switch into it from different sap module .?

Anyone plzz help with it .
Thanks in advance .

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will cognizant blacklist me if i didn't join. my joining date in cognizant is 24th april and thinking of emailing my decision today.

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Hello,

My joining date with CTS is on 5th dec, i received message from CTS like onboarding pass not generated. When i try to reach out to HR , they are not responding.

Sent email to HR.

Any suggestions please??

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What are the rankings for top consulting firms in the human capital space? (Big 3, big 4, +++)

Got an offer -
Exp -9
Offer -26
Epam Anywhere

Is this good offer to join.?

SAP sharks, whats the maximum salary we can expect at T2.3 band. Also , can someone let me k now what does T2.3 band signify.SAP

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How is wlb at pepsico?

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For those who wake up at 5,6 or even 7am - how do you do this in this cold, dark, hopeless weather? Any tips for that? I wake up with my alarm but it's so cold and dreary and annoying that I go back under my sheets....

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Our thin skinned POTUS is skipping out on the White House Correspondents dinner. First president since Nixon to do this. Coincidentally also the last pres to declare the free press "our enemy" 🤐

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How much money do you make and have in your checking and savings? // how many years have you been working post college...

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I'm reading this book on boundaries. In the work section it says I should tell my boss that I can't work after 5 PM. Knowing that advertising work commonly goes past 5 PM...would my job be in danger if I said that?
There's not really a rule book that says I must work until the work is done even though it's an unsaid expectation. Thoughts?

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Tips on making this career sustainable? Including family, health, etc Are there Partner or MD roles that don’t travel? Maybe if you’re based in the Bay Area of NYC?

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Does anybody here do any side work for extra income using their data expertise? I would love ideas that I could do from ~5-15 hours a week. Tutoring is the only thing that comes to mind immediately. Thanks in advance!

helpful
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What are thoughts in transitioning from Life Sci Consultant to a Medical Science Liaison for a large pharma? Is that a lateral move or a downgrade?
Also, any perspectives on MSLs welcome!

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Any CAIA holders out there? How have you generally been viewed?

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Additional Posts in Personal Investment Chatter

Anyone looking at airline stocks or ETF play?

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Recommendations for how to allocate 401k with Fidelity. Just switched jobs and have to move from Merrill Lynch to Fidelity

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Is this for real?

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My wife reads nearly an entire book per day just in her spare time after work, no exaggeration. I’m amazed by her and wondering what ideas are out there to monetize her skill? Book editing maybe?

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Need help on how to invest. We are positioned to pay off our house later this year. Expect to work for another ~20 years. 401k fully funded and have some company stock investments maturing over the next few years, but no investments outside of that. Kids have a prepaid college plan for certain schools. Emergency fund is solid. Where should I look to start investing? I have fidelity for my 401k, would they be good to open a taxable investment account with, or are there better options?

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Opened a Roth IRA account last year and put away a portion of $ each month to eventually reach $6000. This year thinking of plopping all $6000 there in Jan. What method do you all follow?

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Does anyone else think that IBKR’s customer service is kinda shitty compared to other brokerages?

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Anyone have experience with or recs for a good moving / shipping company? Trying to gauge typical cost, have about 5 furniture items to ship between states (7h driving distance) and would like them to load / unload. Thanks!

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Used car prices starting to come down?

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Question on after-tax contributions. I’ve recently upped my contributions to after tax through payroll (already maxing our 401k+contributing to traditional Ira to be converted to a Roth shortly contd

Any thoughts of investing in gold or gold related instruments?

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$530k HHI, $250k cash on hand, $1.2M investments/retirement. Plan to buy $800-900k house as our first home, but thinking of the best approach given rates today. My thinking is that we (i) put $200k+ down and get a 5/1 ARM. (ii) put everything we save moving forward toward paying down the principal (after maximizing retirement accounts). Should be able to do $100k per year. (iii) If rates go down below 4.5ish % for 15 year fixed, refinance and stop aggressive payment. Thoughts on this approach?

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Mutual funds you have your eye on right now?

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I’m a newb and trying to actively learn about how to better invest my $. I have about $15K in robinhood right now and have another $70K or so in my savings account that I would like to invest most of. I have my 401K with Vanguard, should I open a new account with them or use a different platform like Charles Schwab? Any advice is appreciated, TIA!

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Come from a no money family & limited financial savvy. What’s an easy way to open and manage a personal investment fund so my savings makes me more money, similar to my Roth 401k. Thanks in advance!

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Investing newbie here: pros cons of getting a rental property vs investing in stocks?

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Using Robinhood to do some day trading. Bought a share of Amazon a few months back and have almost 30% ROI. Should I sell? It seems like it is too high right now and the bottom could fall any moment.

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What’s a good target annual earning % for interest and dividends relative to portfolio size? I am new to investing and am generally just invested in the SP500 and total stock market via index funds

I am trying to justify house buying in HCOL city. The house cost is minimum 1.4m .monthly mortgage would be at least 7k(with just around 2k principal) rest goes to either int,tax. Not to mention regular house maintenance. How is it better than 3.5k rental. I understand appreciation and own house independence. But I am just trying to make numbers work.

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